Financial Highlights

Financial Highlights
2018 FQ1 YTD
3/31/2018
2017 FY
12/31/2017
2016 FY
12/31/2016
2015 FY
12/31/2015
2014 FY
12/31/2014
Balance Sheet ($000)
Total Assets 198,035 173,895 156,091 146,073 144,672
Total Net Loans 146,568 125,136 103,384 81,629 79,288
Total Deposits 156,519 137,511 126,325 120,839 119,113
Equity Attributable to Parent Company 26,976 23,829 23,072 19,837 18,441
Total Equity 26,976 23,829 23,072 19,837 18,441
Profitability (%)
Net Income($000) 400 509 3,127 1,778 (433)
Net Income Attributable to Parent($000) 400 509 3,127 1,778 (433)
ROAA 0.86 0.31 2.14 1.26 (0.27)
Core ROAA 0.86 0.33 2.16 1.12 (0.19)
ROAE 6.30 2.14 16.06 10.05 (2.41)
ROATCE NA 2.34 16.51 10.50 (2.22)
Core ROAE 6.30 2.32 16.22 8.93 (1.66)
Net Interest Margin 3.36 3.14 2.99 3.13 3.20
Reported: Net Interest Margin 3.36 3.14 2.99 3.13 3.20
Efficiency Ratio 61 64.94 78.73 68.21 92.44
Noninterest Inc/ Operating Rev 4.12 4.46 8.04 5.95 39.33
Balance Sheet Ratios (%)
Loans/ Deposits 94.79 92.27 83.11 67.95 67.91
Securities/ Assets 19.17 21.91 26.59 36.80 37.10
Total Equity/ Total Assets 13.62 13.70 14.78 13.58 12.75
Tangible Equity/ Tangible Assets NA 13.62 14.66 13.41 12.53
Tang Common Equity/ Tang Assets NA 13.62 14.66 13.41 12.53
Asset Quality (%)
NPAs/ Assets NA 0 0 0 0.56
NPA Excl Restructured/ Assets 0 0 0 0 0.56
NPAs & 90+ PD/ Assets NA 0 0 0 0.56
NPAs/ Loans & REO NA 0 0 0 1
Nonaccrual & 90+ & OREO/ Assets NA 0 0 0 0.56
NPAs & 90+ PD/ Loans & REO NA 0 0 0 1
NPA & Loans 90+/ Tangible Common Equity + LLR NA 0 0 0 4.14
NCOs/ Avg Loans 0.04 (0.13) (0.09) 0.04 (0.07)
Loan Loss Reserves/ Gross Loans 1.21 1.38 1.52 1.83 1.98
Reserves/ NPAs NA NM NM NM 196.32
Loan Loss Provision/ NCO 485.71 NM NM (156.25) NM
Capital Adequacy
Tier 1 Common Capital (CET1)($000) NA 23,227 NA NA NA
Tier 1 Capital($000) NA 23,227 NA NA NA
Tier 2 Capital($000) NA 1,669 NA NA NA
Total Capital($000) NA 24,896 NA NA NA
Total Risk-weighted Assets($000) NA 133,423 NA NA NA
Tier 1 Common Capital (CET1) Ratio(%) NA 17.41 NA NA NA
Tier 1 Ratio(%) 18.10 17.41 NA NA NA
Total Capital Ratio(%) 19.40 18.66 NA NA NA
Liquidity Coverage Ratio(%) NA NA NA NA NA
Leverage Ratio(%) 14.80 13.58 NA NA NA
Basel III Leverage Ratio(%) NA NA NA NA NA
Per Share Information ($)
Common Shares Outstanding(actual) NA 2,731,313 2,727,813 2,748,062 2,746,646
Avg Diluted Shares(actual) NA 2,753,133 2,726,047 2,724,492 2,655,530
Basic Book Value per Share** NA 8.72 8.46 7.22 6.71
As-reported Book Value per Share NA 8.39 NA NA NA
Basic Tangible Book Value per Share NA 8.67 8.37 7.11 6.58
Reported: Tangible Book Value 8.52 8.67 8.39 7.18 6.67
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.15 0.19 1.15 0.65 (0.16)
EPS after Extra Growth(%) 114.30 (83.50) 76.90 NM NM
Core EPS 0.15 0.21 1.16 0.58 (0.11)
Core EPS Growth(%) 114.30 (82.20) 101.20 NM NM
Diluted EPS before Amortization NA 0.22 1.17 0.67 (0.14)
Pre-Provision Earnings per Share 0.14 0.42 0.21 0.32 0.03
Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.
**Book Value Per Share displayed includes Accumulated Other Comprehensive Income (AOCI)